DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

published:09 Feb 2012

views:190771

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from 10th place to 6th place world wide in debt accumulation. Canada has also reached first place out of G20 countries.
PrivateDebt to GDP in Canada averaged 210.45 percent from 1995 until 2016, reaching an all time high of 266.89 percent in 2016 according to Trading Economics.
With alarming market manipulation, derivatives markets, fiat currency printing and government spending, there's no doubt that Canada's on a collision course. The question is, when?
Well the fact is, fundamentals are off the table so an exact date can't be placed on it. The markets and monetary system is being rigged to such an extent that the crash is constantly pushed forward into the future causing the looming crash to become more and more inflated and dangerous.
For example, the Vancouver real estate market was ready to implode and the bubble was ready to burst, however it recently did the impossible and started climbing in value even further! This means the bubble burst is going to be epic and will surely be heard around the world.
Globalist central bankers and market manipulators love the notion of pushing the populace into a bottomless pit of debt as the public then has no choice but to beg the government and banking system for a ladder up. This is servitude and it's the servitude the establishment wants for the public.
Stay tuned as we continue to break down this horrific looming crash and continue to show people how to insure their wealth with gold, silver and of course cryptocurrencies like Bitcoin, Ethereum and STEEM.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Thore Stub Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
DONATE HERE:
https://www.gofundme.com/w3e2es
Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
https://www.patreon.com/user?u=2652072&ty=h&u=2652072
BITCOIN ADDRESS:
18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU
PAYPAL:
WorldAlternativeMedia@gmail.com
Buy Tickets To The Historic 'Red PillExpo' in Montana!
http://redpillexpo.ontraport.com/t?orid=294&opid=6
WorldAlternative Media
2017
"Find the truth, be the change!"

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as vendors, suppliers and employees — who can potentially force the company into liquidation for a default of as low as Rs 1 lakh.
Read more: https://goo.gl/nwFRw9

published:27 Dec 2017

views:249

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

published:11 Aug 2014

views:74

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 20 years but as Angelo Coppola reports from Gaborone, the liquidators are optimistic that the franchise has a chance of revival.

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "The Doctor's Guide to" series of books and founder of Prescription for Financial Success - HelpingHealthcare ProfessionalsThrive, where he coaches doctors on a one on one basis regarding their personal finances.
His aim is to help medical professionals get their personal finances in good order, get out of debt and establish a good work/life balance. He is available as a keynote speaker.
Connect with Dr. Cory S. Fawcett on:
Website: http://drcorysfawcett.com/
Facebook: https://www.facebook.com/Dr-Cory-S-Fawcett-651607084977083
Twitter: https://twitter.com/drcorysfawcett
LinkedIn: https://www.linkedin.com/in/drcorysfawcett

published:17 Aug 2016

views:74

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

published:24 Sep 2016

views:176126

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spent more than the revenue however they have taken it to a whole new level over the past decade. If some drastic changes are not made soon, we will be a bankrupt nation. Washington has shown that it operates with a certain mindset and that they are either unable or unwilling to change their ways. This is my opinion on our Federal debt and deficit.

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and how long debts are collectable under the FDCPA (Fair Debt Collection Practices Act.)
Most people do not understand the difference between the "time clock for credit reporting" and the "statute of limitations on debt collection.
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. The "SOL" (statute of limitations) varies by state and type of debt and ranges typically from 3-6 years.
On the other hand, the "Credit Reporting TimeClock" is different: The Fair Credit Reporting Act describes how long items can remain in credit reports and when they must be removed. Some items have a seven year "Statute of Limitations" while other items remain for 10 years or, in the case of inquiries only 2 years and tax liens, indefinitely.
Officially called "running of reporting period", the credit reporting period is also called the statute of limitations (SOL) and is one of the most misunderstood parts of the fair credit reporting act.
The following information is taken directly from the Fair Credit Reporting Act (FCRA) and from the Federal Trade Commission's official interpretation of the "running of reporting period!"
Length of Time Items Can Stay on Credit
Derogatory Accounts -- Stay for 7 years from the date of original delinquency.
• Late Payments
• Charge-Offs
• Collections
• Repossessions
• Items included in a bankruptcy
Inquiries -- Stay for 2 years from the date placed
• There are two types of inquiries: "HARD" and "SOFT"
• Hard inquiries are when a consumer applies for credit.
• Only "Hard Inquiries" impact credit scores and depending on various factors each inquiry can impact a score anywhere from 2-6 points.
• "Soft Inquiries" are when a creditor or other entity takes a peek at a credit report without the consumer applying for credit and do NOT impact credit scores.
Unpaid Tax Lien - Stay Indefinitely
• State or Federal Tax Liens
Chapter 7 Bankruptcies - Stay for 10 years from date filed.
• Discharging of debt.
Chapter 13 Bankruptcies - Stay for 7 years from date completed
• Typical repayment plans take 3-5 years, so the Bankruptcy can stay for up to 12 years.
PublicRecords - Stay for 7 years from the date of payment
• Foreclosures
• Various liens
• Various judgments
For a complete chart of the statute of limitation listed by state and type of debt, please visit our resources page:
http://www.creditagenda.com/resources/statute-of-limitations.php
You can also give us a call at (800) 811-3078
Thank You,
Corey Gray, CEO
Credit Assistance NetworkInc.
www.CreditAgenda.com
7300 N. Federal Highway, Suites 202, 204 & 206
Boca Raton, FL 33487
Credit Assistance Network offers consumer education and credit improvement services. We are one of the only CROA compliant credit repair companies which boasts an A+ rating with the Better Business Bureau.
Tags: Late Payments, Charge-Offs, Collections, Repossessions, Items included in a bankruptcy, Credit Reporting Time Clock, Statute of Limitations on DebtCollection, Fair Debt Collection

Society

A society is a group of people involved in persistent social interaction, or a large social grouping sharing the same geographical or social territory, typically subject to the same political authority and dominant cultural expectations. Societies are characterized by patterns of relationships (social relations) between individuals who share a distinctive culture and institutions; a given society may be described as the sum total of such relationships among its constituent members. In the social sciences, a larger society often evinces stratification or dominance patterns in subgroups.

Insofar as it is collaborative, a society can enable its members to benefit in ways that would not otherwise be possible on an individual basis; both individual and social (common) benefits can thus be distinguished, or in many cases found to overlap.

A society can also consist of like-minded people governed by their own norms and values within a dominant, larger society. This is sometimes referred to as a subculture, a term used extensively within criminology.

Debt

A debt generally refers to something owed by one party, the borrower or debtor, to a second party, the lender or creditor. The lender or creditor can be a bank, credit card company, payday loan provider, or an individual. One country can also lend money to another country. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value. For example, in Western cultures, a person who has been helped by a second person is sometimes said to owe a "debt of gratitude" to the second person.

Terms

Interest

Interest is the fee charged by the creditor to the debtor. Interest is generally calculated as a percentage of the principal sum per year, which percentage is known as an interest rate, and is generally paid periodically at intervals, such as monthly or semi-annually.

Many conventions on how interest is calculated exist – see day count convention for some – while a standard convention is the annual percentage rate (APR), widely used and required by regulation in the United States and United Kingdom, though there are different forms of APR.

List of people considered father or mother of a field

The following is a list of significant men and women known for being the father, mother, or considered the founders mostly in Western societies in a field, listed by category. In most non-science fields, the title of being the "father" is debatable.

Statute of limitations

Statutes of limitations are laws passed by a legislative body in common law systems to set the maximum time after an event when legal proceedings may be initiated. When the period of time specified in a statute of limitations passes, a claim can no longer be filed. The intention of these laws is to facilitate resolution in a reasonable length of time. In civil law (legal system) systems, similar provisions are typically part of their civil or criminal codes and known collectively as periods of prescription. The cause of action dictates the statute of limitations, which can be reduced (or extended) to ensure a fair trial. When a statute of limitations expires in a criminal case, the courts no longer have jurisdiction. Analysis of a statute of limitations includes the examination of any associated statute of repose, tolling provisions and exclusions.

Applications

Common law legal systems use a statute specifying the length of time within which a claimant or prosecutor must file a case. A case cannot begin after the period specified, and courts have no jurisdiction over cases filed after the statute of limitations has expired. However, once filed, cases do not need to be resolved within the period specified in the statute of limitations.

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from 10th place to 6th place world wide in debt accumulation. Canada has also reached first place out of G20 countries.
PrivateDebt to GDP in Canada averaged 210.45 percent from 1995 until 2016, reaching an all time high of 266.89 percent in 2016 according to Trading Economics.
With alarming market manipulation, derivatives markets, fiat currency printing and government spending, there's no doubt that Canada's on a collision course. The question is, when?
Well the fact is, fundamentals are off the table so an exact date can't be placed on it. The markets and monetary system is being rigged to such an extent that the crash is constantly pushed forward into the future causing the looming crash to become more and more inflated and dangerous.
For example, the Vancouver real estate market was ready to implode and the bubble was ready to burst, however it recently did the impossible and started climbing in value even further! This means the bubble burst is going to be epic and will surely be heard around the world.
Globalist central bankers and market manipulators love the notion of pushing the populace into a bottomless pit of debt as the public then has no choice but to beg the government and banking system for a ladder up. This is servitude and it's the servitude the establishment wants for the public.
Stay tuned as we continue to break down this horrific looming crash and continue to show people how to insure their wealth with gold, silver and of course cryptocurrencies like Bitcoin, Ethereum and STEEM.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Thore Stub Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
DONATE HERE:
https://www.gofundme.com/w3e2es
Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
https://www.patreon.com/user?u=2652072&ty=h&u=2652072
BITCOIN ADDRESS:
18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU
PAYPAL:
WorldAlternativeMedia@gmail.com
Buy Tickets To The Historic 'Red PillExpo' in Montana!
http://redpillexpo.ontraport.com/t?orid=294&opid=6
WorldAlternative Media
2017
"Find the truth, be the change!"

Insolvency Code Being Used As A Debt Recovery Tool

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as vendors, suppliers and employees — who can potentially force the company into liquidation for a default of as low as Rs 1 lakh.
Read more: https://goo.gl/nwFRw9

3:56

Debt Counselling Industry wants NCR investigated

Debt Counselling Industry wants NCR investigated

Debt Counselling Industry wants NCR investigated

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

1:38

American chicken brand placed in provisional liquidation over debt in Botswana

American chicken brand placed in provisional liquidation over debt in Botswana

American chicken brand placed in provisional liquidation over debt in Botswana

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 20 years but as Angelo Coppola reports from Gaborone, the liquidators are optimistic that the franchise has a chance of revival.

0:18

Debt Graph 1

Debt Graph 1

Debt Graph 1

Debt is One Stress You Can Eliminate

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "The Doctor's Guide to" series of books and founder of Prescription for Financial Success - HelpingHealthcare ProfessionalsThrive, where he coaches doctors on a one on one basis regarding their personal finances.
His aim is to help medical professionals get their personal finances in good order, get out of debt and establish a good work/life balance. He is available as a keynote speaker.
Connect with Dr. Cory S. Fawcett on:
Website: http://drcorysfawcett.com/
Facebook: https://www.facebook.com/Dr-Cory-S-Fawcett-651607084977083
Twitter: https://twitter.com/drcorysfawcett
LinkedIn: https://www.linkedin.com/in/drcorysfawcett

26:01

China in debt - Counting the Cost

China in debt - Counting the Cost

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

9:33

Debt and Deficit

Debt and Deficit

Debt and Deficit

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spent more than the revenue however they have taken it to a whole new level over the past decade. If some drastic changes are not made soon, we will be a bankrupt nation. Washington has shown that it operates with a certain mindset and that they are either unable or unwilling to change their ways. This is my opinion on our Federal debt and deficit.

Iceland's debt debate

Understanding the "Statute of Limitations on Debt Collection"

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and how long debts are collectable under the FDCPA (Fair Debt Collection Practices Act.)
Most people do not understand the difference between the "time clock for credit reporting" and the "statute of limitations on debt collection.
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. The "SOL" (statute of limitations) varies by state and type of debt and ranges typically from 3-6 years.
On the other hand, the "Credit Reporting TimeClock" is different: The Fair Credit Reporting Act describes how long items can remain in credit reports and when they must be removed. Some items have a seven year "Statute of Limitations" while other items remain for 10 years or, in the case of inquiries only 2 years and tax liens, indefinitely.
Officially called "running of reporting period", the credit reporting period is also called the statute of limitations (SOL) and is one of the most misunderstood parts of the fair credit reporting act.
The following information is taken directly from the Fair Credit Reporting Act (FCRA) and from the Federal Trade Commission's official interpretation of the "running of reporting period!"
Length of Time Items Can Stay on Credit
Derogatory Accounts -- Stay for 7 years from the date of original delinquency.
• Late Payments
• Charge-Offs
• Collections
• Repossessions
• Items included in a bankruptcy
Inquiries -- Stay for 2 years from the date placed
• There are two types of inquiries: "HARD" and "SOFT"
• Hard inquiries are when a consumer applies for credit.
• Only "Hard Inquiries" impact credit scores and depending on various factors each inquiry can impact a score anywhere from 2-6 points.
• "Soft Inquiries" are when a creditor or other entity takes a peek at a credit report without the consumer applying for credit and do NOT impact credit scores.
Unpaid Tax Lien - Stay Indefinitely
• State or Federal Tax Liens
Chapter 7 Bankruptcies - Stay for 10 years from date filed.
• Discharging of debt.
Chapter 13 Bankruptcies - Stay for 7 years from date completed
• Typical repayment plans take 3-5 years, so the Bankruptcy can stay for up to 12 years.
PublicRecords - Stay for 7 years from the date of payment
• Foreclosures
• Various liens
• Various judgments
For a complete chart of the statute of limitation listed by state and type of debt, please visit our resources page:
http://www.creditagenda.com/resources/statute-of-limitations.php
You can also give us a call at (800) 811-3078
Thank You,
Corey Gray, CEO
Credit Assistance NetworkInc.
www.CreditAgenda.com
7300 N. Federal Highway, Suites 202, 204 & 206
Boca Raton, FL 33487
Credit Assistance Network offers consumer education and credit improvement services. We are one of the only CROA compliant credit repair companies which boasts an A+ rating with the Better Business Bureau.
Tags: Late Payments, Charge-Offs, Collections, Repossessions, Items included in a bankruptcy, Credit Reporting Time Clock, Statute of Limitations on DebtCollection, Fair Debt Collection

1:11

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt can be placed on a DebtManagementProgram.
Debthelper's debt management program can help you with unsecured debt such as credit cards, gas credit cards and department store credit cards.
Secured debts are debts that are tied to collateral that can be repossessed if you fail to pay the debt such as a car or a home. Secured debts can not be placed on the program.
If you are not sure whether a debt is secured or an unsecured debt, Ask your counselor . He or she will be able to help you with this.
CONTACT US
www.DebtHelper.com
1-800-920-2262
YOUTUBE:
TWITTER: http://twitter.com/debthelpercom
FACEBOOK: http://www.facebook.com/pages/Debthelpercom/161268256670
Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRSApproved 501c3 Non-Profit FloridaCorporation dedicated to our mission of providing compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving client support.
Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of IndependentConsumer Credit Counseling Agencies. Debthelper.com is a member of ACCPros, the Association of Credit Counseling Professionals, a member of the Florida Housing Coalition, a member of the NCHANational Housing Counseling Association. Debthelper.com adheres to the NISHEC National IndustryStandards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com is a proud member of the Southeast FloridaBetter Business Bureau, to view our BBBReport.
We offer education and counseling on:
* Pre-Filing Credit Counseling for Bankruptcy*
* Pre-Discharge Education Courses, also known as a Personal Financial Management * * * Instructional Courses, for Bankruptcy*
* Credit Report Education (offering a broad view of what you should look out for on your credit report)
* Budgeting and Spending Plans
* Debt Management Programs
* Consolidation Programs
* HUD Approved Comprehensive Housing Counseling
* And More Financial RescueOptions
Since being formed in 1996, we have helped guide tens of thousands of people out of financial difficulty. With offices in Florida, Massachusetts and Nevada, we serve clients in almost every state in the union. Our multilingual, multinational team is different from many other agencies as we put the client first whether or not they join one of our programs. Debthelper.com Certified Personal Finance Counselors CPFC counselors strive to get to the root of the counseling issues and once and for all, help to seek their resolution.

1:13

3 Reasons Why You Should Not Pay Your Debt

3 Reasons Why You Should Not Pay Your Debt

3 Reasons Why You Should Not Pay Your Debt

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!
Effects of Paying
When you pay an older collection account or charge-off account, your credit score most likely will suffer.
Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years.
Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score.
Many consumers believe by paying off collections or charge-off accounts, that it will raise their credit scores. It certainly seems logical; however it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score.
Ultimately, if it is an older account when paid off (or payments are made on the account), by doing so can be devastating to ones credit score. The recent activity of any derogatory item has a big impact on how it effects your overall credit score.
Is the Debt Still Valid?
After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as "the statute of limitations on debt" and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you.
You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay or making a charge on the account.
After 7YearsCollection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting these derogatory accounts over the 7 year limit.
If you have any questions regarding collection accounts on your credit reports, call our office today for your complimentary credit consultation. We look forward to hearing from you. 480-502-5554
LEGAL DISCLAIMER: The advice provided is for informational purposes only. It is not to be construed as Legal Counsel or Legal Advice.

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter an...

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from 10th place to 6th place world wide in debt accumulation. Canada has also reached first place out of G20 countries.
PrivateDebt to GDP in Canada averaged 210.45 percent from 1995 until 2016, reaching an all time high of 266.89 percent in 2016 according to Trading Economics.
With alarming market manipulation, derivatives markets, fiat currency printing and government spending, there's no doubt that Canada's on a collision course. The question is, when?
Well the fact is, fundamentals are off the table so an exact date can't be placed on it. The markets and monetary system is being rigged to such an extent that the crash is const...

Insolvency Code Being Used As A Debt Recovery Tool

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as vendors, suppliers and employees — who can potentially force the company into liquidation for a default of as low as Rs 1 lakh.
Read more: https://goo.gl/nwFRw9

published: 27 Dec 2017

Debt Counselling Industry wants NCR investigated

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

published: 11 Aug 2014

American chicken brand placed in provisional liquidation over debt in Botswana

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 20 years but as Angelo Coppola reports from Gaborone, the liquidators are optimistic that the franchise has a chance of revival.

published: 09 Jun 2016

Debt Graph 1

Debt is One Stress You Can Eliminate

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "The Doctor's Guide to" series of books and founder of Prescription for Financial Success - HelpingHealthcare ProfessionalsThrive, where he coaches doctors on a one on one basis regarding their personal finances.
His aim is to help medical professionals get their personal finances in good order, get out of debt and establish a good work/life balance. He is available as a keynote speaker.
Connect with Dr. Cory S. Fawcett on:
Website: http://drcorysfawcett.com/
Facebook: https://www.facebook.com/Dr-Cory-S-Fawcett-651607084977083
Twitter: https://twitter.com/drcorysfawcett
LinkedIn: https://www.linkedin.com/in/drcorysfawcett

published: 17 Aug 2016

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its ...

published: 24 Sep 2016

Debt and Deficit

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spent more than the revenue however they have taken it to a whole new level over the past decade. If some drastic changes are not made soon, we will be a bankrupt nation. Washington has shown that it operates with a certain mindset and that they are either unable or unwilling to change their ways. This is my opinion on our Federal debt and deficit.

published: 12 Sep 2011

Iceland's debt debate

Understanding the "Statute of Limitations on Debt Collection"

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and how long debts are collectable under the FDCPA (Fair Debt Collection Practices Act.)
Most people do not understand the difference between the "time clock for credit reporting" and the "statute of limitations on debt collection.
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. The "SOL" (statute of limitations) varies by state and type of debt and ranges typically from 3-6 years.
On the other hand, the "Credit Reporting TimeClock" is different: The Fair Credit Repo...

published: 16 Jul 2013

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt can be placed on a DebtManagementProgram.
Debthelper's debt management program can help you with unsecured debt such as credit cards, gas credit cards and department store credit cards.
Secured debts are debts that are tied to collateral that can be repossessed if you fail to pay the debt such as a car or a home. Secured debts can not be placed on the program.
If you are not sure whether a debt is secured or an unsecured debt, Ask your counselor . He or she will be able to help you with this.
CONTACT US
www.DebtHelper.com
1-800-920-2262
YOUTUBE:
TWITTER: http://twitter.com/debthelpercom
FACEBOOK: http://www.facebook.com/pages/Debthelpercom/161268256670
Credit Card Management Service...

published: 09 Jul 2012

3 Reasons Why You Should Not Pay Your Debt

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!
Effects of Paying
When you pay an older collection account or charge-off account, your credit score most likely will suffer.
Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years.
Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score.
Many consumers believe by paying off collections or charge-off accounts, that it will raise th...

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever p...

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from...

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from 10th place to 6th place world wide in debt accumulation. Canada has also reached first place out of G20 countries.
PrivateDebt to GDP in Canada averaged 210.45 percent from 1995 until 2016, reaching an all time high of 266.89 percent in 2016 according to Trading Economics.
With alarming market manipulation, derivatives markets, fiat currency printing and government spending, there's no doubt that Canada's on a collision course. The question is, when?
Well the fact is, fundamentals are off the table so an exact date can't be placed on it. The markets and monetary system is being rigged to such an extent that the crash is constantly pushed forward into the future causing the looming crash to become more and more inflated and dangerous.
For example, the Vancouver real estate market was ready to implode and the bubble was ready to burst, however it recently did the impossible and started climbing in value even further! This means the bubble burst is going to be epic and will surely be heard around the world.
Globalist central bankers and market manipulators love the notion of pushing the populace into a bottomless pit of debt as the public then has no choice but to beg the government and banking system for a ladder up. This is servitude and it's the servitude the establishment wants for the public.
Stay tuned as we continue to break down this horrific looming crash and continue to show people how to insure their wealth with gold, silver and of course cryptocurrencies like Bitcoin, Ethereum and STEEM.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Thore Stub Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
DONATE HERE:
https://www.gofundme.com/w3e2es
Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
https://www.patreon.com/user?u=2652072&ty=h&u=2652072
BITCOIN ADDRESS:
18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU
PAYPAL:
WorldAlternativeMedia@gmail.com
Buy Tickets To The Historic 'Red PillExpo' in Montana!
http://redpillexpo.ontraport.com/t?orid=294&opid=6
WorldAlternative Media
2017
"Find the truth, be the change!"

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from 10th place to 6th place world wide in debt accumulation. Canada has also reached first place out of G20 countries.
PrivateDebt to GDP in Canada averaged 210.45 percent from 1995 until 2016, reaching an all time high of 266.89 percent in 2016 according to Trading Economics.
With alarming market manipulation, derivatives markets, fiat currency printing and government spending, there's no doubt that Canada's on a collision course. The question is, when?
Well the fact is, fundamentals are off the table so an exact date can't be placed on it. The markets and monetary system is being rigged to such an extent that the crash is constantly pushed forward into the future causing the looming crash to become more and more inflated and dangerous.
For example, the Vancouver real estate market was ready to implode and the bubble was ready to burst, however it recently did the impossible and started climbing in value even further! This means the bubble burst is going to be epic and will surely be heard around the world.
Globalist central bankers and market manipulators love the notion of pushing the populace into a bottomless pit of debt as the public then has no choice but to beg the government and banking system for a ladder up. This is servitude and it's the servitude the establishment wants for the public.
Stay tuned as we continue to break down this horrific looming crash and continue to show people how to insure their wealth with gold, silver and of course cryptocurrencies like Bitcoin, Ethereum and STEEM.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Thore Stub Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
Visit us at www.WorldAlternativeMedia.com
LIKE us on Facebook here:
https://www.facebook.com/LibertyShallPrevail/
Follow us on Twitter here:
https://twitter.com/WorldAltMedia
DONATE HERE:
https://www.gofundme.com/w3e2es
Help keep independent media alive!
Pledge here! Just a dollar a month can help us stay on our feet as we face intense YouTube censorship!
https://www.patreon.com/user?u=2652072&ty=h&u=2652072
BITCOIN ADDRESS:
18d1WEnYYhBRgZVbeyLr6UfiJhrQygcgNU
PAYPAL:
WorldAlternativeMedia@gmail.com
Buy Tickets To The Historic 'Red PillExpo' in Montana!
http://redpillexpo.ontraport.com/t?orid=294&opid=6
WorldAlternative Media
2017
"Find the truth, be the change!"

Insolvency Code Being Used As A Debt Recovery Tool

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as ve...

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as vendors, suppliers and employees — who can potentially force the company into liquidation for a default of as low as Rs 1 lakh.
Read more: https://goo.gl/nwFRw9

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as vendors, suppliers and employees — who can potentially force the company into liquidation for a default of as low as Rs 1 lakh.
Read more: https://goo.gl/nwFRw9

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

published:11 Aug 2014

views:74

back

American chicken brand placed in provisional liquidation over debt in Botswana

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 2...

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 20 years but as Angelo Coppola reports from Gaborone, the liquidators are optimistic that the franchise has a chance of revival.

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 20 years but as Angelo Coppola reports from Gaborone, the liquidators are optimistic that the franchise has a chance of revival.

Debt is One Stress You Can Eliminate

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "Th...

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "The Doctor's Guide to" series of books and founder of Prescription for Financial Success - HelpingHealthcare ProfessionalsThrive, where he coaches doctors on a one on one basis regarding their personal finances.
His aim is to help medical professionals get their personal finances in good order, get out of debt and establish a good work/life balance. He is available as a keynote speaker.
Connect with Dr. Cory S. Fawcett on:
Website: http://drcorysfawcett.com/
Facebook: https://www.facebook.com/Dr-Cory-S-Fawcett-651607084977083
Twitter: https://twitter.com/drcorysfawcett
LinkedIn: https://www.linkedin.com/in/drcorysfawcett

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "The Doctor's Guide to" series of books and founder of Prescription for Financial Success - HelpingHealthcare ProfessionalsThrive, where he coaches doctors on a one on one basis regarding their personal finances.
His aim is to help medical professionals get their personal finances in good order, get out of debt and establish a good work/life balance. He is available as a keynote speaker.
Connect with Dr. Cory S. Fawcett on:
Website: http://drcorysfawcett.com/
Facebook: https://www.facebook.com/Dr-Cory-S-Fawcett-651607084977083
Twitter: https://twitter.com/drcorysfawcett
LinkedIn: https://www.linkedin.com/in/drcorysfawcett

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are caus...

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

Debt and Deficit

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spe...

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spent more than the revenue however they have taken it to a whole new level over the past decade. If some drastic changes are not made soon, we will be a bankrupt nation. Washington has shown that it operates with a certain mindset and that they are either unable or unwilling to change their ways. This is my opinion on our Federal debt and deficit.

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spent more than the revenue however they have taken it to a whole new level over the past decade. If some drastic changes are not made soon, we will be a bankrupt nation. Washington has shown that it operates with a certain mindset and that they are either unable or unwilling to change their ways. This is my opinion on our Federal debt and deficit.

Understanding the "Statute of Limitations on Debt Collection"

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and ho...

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and how long debts are collectable under the FDCPA (Fair Debt Collection Practices Act.)
Most people do not understand the difference between the "time clock for credit reporting" and the "statute of limitations on debt collection.
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. The "SOL" (statute of limitations) varies by state and type of debt and ranges typically from 3-6 years.
On the other hand, the "Credit Reporting TimeClock" is different: The Fair Credit Reporting Act describes how long items can remain in credit reports and when they must be removed. Some items have a seven year "Statute of Limitations" while other items remain for 10 years or, in the case of inquiries only 2 years and tax liens, indefinitely.
Officially called "running of reporting period", the credit reporting period is also called the statute of limitations (SOL) and is one of the most misunderstood parts of the fair credit reporting act.
The following information is taken directly from the Fair Credit Reporting Act (FCRA) and from the Federal Trade Commission's official interpretation of the "running of reporting period!"
Length of Time Items Can Stay on Credit
Derogatory Accounts -- Stay for 7 years from the date of original delinquency.
• Late Payments
• Charge-Offs
• Collections
• Repossessions
• Items included in a bankruptcy
Inquiries -- Stay for 2 years from the date placed
• There are two types of inquiries: "HARD" and "SOFT"
• Hard inquiries are when a consumer applies for credit.
• Only "Hard Inquiries" impact credit scores and depending on various factors each inquiry can impact a score anywhere from 2-6 points.
• "Soft Inquiries" are when a creditor or other entity takes a peek at a credit report without the consumer applying for credit and do NOT impact credit scores.
Unpaid Tax Lien - Stay Indefinitely
• State or Federal Tax Liens
Chapter 7 Bankruptcies - Stay for 10 years from date filed.
• Discharging of debt.
Chapter 13 Bankruptcies - Stay for 7 years from date completed
• Typical repayment plans take 3-5 years, so the Bankruptcy can stay for up to 12 years.
PublicRecords - Stay for 7 years from the date of payment
• Foreclosures
• Various liens
• Various judgments
For a complete chart of the statute of limitation listed by state and type of debt, please visit our resources page:
http://www.creditagenda.com/resources/statute-of-limitations.php
You can also give us a call at (800) 811-3078
Thank You,
Corey Gray, CEO
Credit Assistance NetworkInc.
www.CreditAgenda.com
7300 N. Federal Highway, Suites 202, 204 & 206
Boca Raton, FL 33487
Credit Assistance Network offers consumer education and credit improvement services. We are one of the only CROA compliant credit repair companies which boasts an A+ rating with the Better Business Bureau.
Tags: Late Payments, Charge-Offs, Collections, Repossessions, Items included in a bankruptcy, Credit Reporting Time Clock, Statute of Limitations on DebtCollection, Fair Debt Collection

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and how long debts are collectable under the FDCPA (Fair Debt Collection Practices Act.)
Most people do not understand the difference between the "time clock for credit reporting" and the "statute of limitations on debt collection.
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. The "SOL" (statute of limitations) varies by state and type of debt and ranges typically from 3-6 years.
On the other hand, the "Credit Reporting TimeClock" is different: The Fair Credit Reporting Act describes how long items can remain in credit reports and when they must be removed. Some items have a seven year "Statute of Limitations" while other items remain for 10 years or, in the case of inquiries only 2 years and tax liens, indefinitely.
Officially called "running of reporting period", the credit reporting period is also called the statute of limitations (SOL) and is one of the most misunderstood parts of the fair credit reporting act.
The following information is taken directly from the Fair Credit Reporting Act (FCRA) and from the Federal Trade Commission's official interpretation of the "running of reporting period!"
Length of Time Items Can Stay on Credit
Derogatory Accounts -- Stay for 7 years from the date of original delinquency.
• Late Payments
• Charge-Offs
• Collections
• Repossessions
• Items included in a bankruptcy
Inquiries -- Stay for 2 years from the date placed
• There are two types of inquiries: "HARD" and "SOFT"
• Hard inquiries are when a consumer applies for credit.
• Only "Hard Inquiries" impact credit scores and depending on various factors each inquiry can impact a score anywhere from 2-6 points.
• "Soft Inquiries" are when a creditor or other entity takes a peek at a credit report without the consumer applying for credit and do NOT impact credit scores.
Unpaid Tax Lien - Stay Indefinitely
• State or Federal Tax Liens
Chapter 7 Bankruptcies - Stay for 10 years from date filed.
• Discharging of debt.
Chapter 13 Bankruptcies - Stay for 7 years from date completed
• Typical repayment plans take 3-5 years, so the Bankruptcy can stay for up to 12 years.
PublicRecords - Stay for 7 years from the date of payment
• Foreclosures
• Various liens
• Various judgments
For a complete chart of the statute of limitation listed by state and type of debt, please visit our resources page:
http://www.creditagenda.com/resources/statute-of-limitations.php
You can also give us a call at (800) 811-3078
Thank You,
Corey Gray, CEO
Credit Assistance NetworkInc.
www.CreditAgenda.com
7300 N. Federal Highway, Suites 202, 204 & 206
Boca Raton, FL 33487
Credit Assistance Network offers consumer education and credit improvement services. We are one of the only CROA compliant credit repair companies which boasts an A+ rating with the Better Business Bureau.
Tags: Late Payments, Charge-Offs, Collections, Repossessions, Items included in a bankruptcy, Credit Reporting Time Clock, Statute of Limitations on DebtCollection, Fair Debt Collection

published:16 Jul 2013

views:279903

back

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt can be placed on a DebtManagementProgram.
Debthelper's debt manag...

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt can be placed on a DebtManagementProgram.
Debthelper's debt management program can help you with unsecured debt such as credit cards, gas credit cards and department store credit cards.
Secured debts are debts that are tied to collateral that can be repossessed if you fail to pay the debt such as a car or a home. Secured debts can not be placed on the program.
If you are not sure whether a debt is secured or an unsecured debt, Ask your counselor . He or she will be able to help you with this.
CONTACT US
www.DebtHelper.com
1-800-920-2262
YOUTUBE:
TWITTER: http://twitter.com/debthelpercom
FACEBOOK: http://www.facebook.com/pages/Debthelpercom/161268256670
Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRSApproved 501c3 Non-Profit FloridaCorporation dedicated to our mission of providing compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving client support.
Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of IndependentConsumer Credit Counseling Agencies. Debthelper.com is a member of ACCPros, the Association of Credit Counseling Professionals, a member of the Florida Housing Coalition, a member of the NCHANational Housing Counseling Association. Debthelper.com adheres to the NISHEC National IndustryStandards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com is a proud member of the Southeast FloridaBetter Business Bureau, to view our BBBReport.
We offer education and counseling on:
* Pre-Filing Credit Counseling for Bankruptcy*
* Pre-Discharge Education Courses, also known as a Personal Financial Management * * * Instructional Courses, for Bankruptcy*
* Credit Report Education (offering a broad view of what you should look out for on your credit report)
* Budgeting and Spending Plans
* Debt Management Programs
* Consolidation Programs
* HUD Approved Comprehensive Housing Counseling
* And More Financial RescueOptions
Since being formed in 1996, we have helped guide tens of thousands of people out of financial difficulty. With offices in Florida, Massachusetts and Nevada, we serve clients in almost every state in the union. Our multilingual, multinational team is different from many other agencies as we put the client first whether or not they join one of our programs. Debthelper.com Certified Personal Finance Counselors CPFC counselors strive to get to the root of the counseling issues and once and for all, help to seek their resolution.

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt can be placed on a DebtManagementProgram.
Debthelper's debt management program can help you with unsecured debt such as credit cards, gas credit cards and department store credit cards.
Secured debts are debts that are tied to collateral that can be repossessed if you fail to pay the debt such as a car or a home. Secured debts can not be placed on the program.
If you are not sure whether a debt is secured or an unsecured debt, Ask your counselor . He or she will be able to help you with this.
CONTACT US
www.DebtHelper.com
1-800-920-2262
YOUTUBE:
TWITTER: http://twitter.com/debthelpercom
FACEBOOK: http://www.facebook.com/pages/Debthelpercom/161268256670
Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRSApproved 501c3 Non-Profit FloridaCorporation dedicated to our mission of providing compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving client support.
Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of IndependentConsumer Credit Counseling Agencies. Debthelper.com is a member of ACCPros, the Association of Credit Counseling Professionals, a member of the Florida Housing Coalition, a member of the NCHANational Housing Counseling Association. Debthelper.com adheres to the NISHEC National IndustryStandards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com is a proud member of the Southeast FloridaBetter Business Bureau, to view our BBBReport.
We offer education and counseling on:
* Pre-Filing Credit Counseling for Bankruptcy*
* Pre-Discharge Education Courses, also known as a Personal Financial Management * * * Instructional Courses, for Bankruptcy*
* Credit Report Education (offering a broad view of what you should look out for on your credit report)
* Budgeting and Spending Plans
* Debt Management Programs
* Consolidation Programs
* HUD Approved Comprehensive Housing Counseling
* And More Financial RescueOptions
Since being formed in 1996, we have helped guide tens of thousands of people out of financial difficulty. With offices in Florida, Massachusetts and Nevada, we serve clients in almost every state in the union. Our multilingual, multinational team is different from many other agencies as we put the client first whether or not they join one of our programs. Debthelper.com Certified Personal Finance Counselors CPFC counselors strive to get to the root of the counseling issues and once and for all, help to seek their resolution.

3 Reasons Why You Should Not Pay Your Debt

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!
Effects of Paying
When you pay an older collection account o...

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!
Effects of Paying
When you pay an older collection account or charge-off account, your credit score most likely will suffer.
Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years.
Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score.
Many consumers believe by paying off collections or charge-off accounts, that it will raise their credit scores. It certainly seems logical; however it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score.
Ultimately, if it is an older account when paid off (or payments are made on the account), by doing so can be devastating to ones credit score. The recent activity of any derogatory item has a big impact on how it effects your overall credit score.
Is the Debt Still Valid?
After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as "the statute of limitations on debt" and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you.
You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay or making a charge on the account.
After 7YearsCollection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting these derogatory accounts over the 7 year limit.
If you have any questions regarding collection accounts on your credit reports, call our office today for your complimentary credit consultation. We look forward to hearing from you. 480-502-5554
LEGAL DISCLAIMER: The advice provided is for informational purposes only. It is not to be construed as Legal Counsel or Legal Advice.

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!
Effects of Paying
When you pay an older collection account or charge-off account, your credit score most likely will suffer.
Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years.
Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score.
Many consumers believe by paying off collections or charge-off accounts, that it will raise their credit scores. It certainly seems logical; however it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score.
Ultimately, if it is an older account when paid off (or payments are made on the account), by doing so can be devastating to ones credit score. The recent activity of any derogatory item has a big impact on how it effects your overall credit score.
Is the Debt Still Valid?
After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as "the statute of limitations on debt" and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you.
You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay or making a charge on the account.
After 7YearsCollection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting these derogatory accounts over the 7 year limit.
If you have any questions regarding collection accounts on your credit reports, call our office today for your complimentary credit consultation. We look forward to hearing from you. 480-502-5554
LEGAL DISCLAIMER: The advice provided is for informational purposes only. It is not to be construed as Legal Counsel or Legal Advice.

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter an...

published: 09 Feb 2012

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its ...

published: 24 Sep 2016

Escape! From the Cult of Materialism - FULL PROGRAM

This film is a remix/mash-up of material from various sources, which are all credited at the end. Particular thanks for narration content to the 2006BBC production of "Big Ideas That Changed the World: Consumerism", the academic studies cited in the credits, and ErinJanus. Again, this is just a non-profit remix/mashup - with all sources credited, and no copyright infringements (501c3 educational film use).
Does the philosophy of materialism work to destroy our identities, experience, and environment? Join narrator DaphneEllis on a radical romp through the evidence and decide for yourself.
"Very well done. A visual treat with its heart in the right place and a clear point of view."
Peter Davis - Academy Award-winning Director of "Hearts and Minds".
"Handsomely assembled and narrated w...

published: 14 Oct 2016

Accounting 1: Program #29 - "Receivables and Bad Debt"

Scholarslip: A documentary about the student debt crisis

Determined to speak up about America's crumbling higher education system, three students at Arizona State University's Walter Cronkite School of Journalism rallied the voices of an indebted generation. The trio of aspiring journalists—Alex Lancial, TaraMolina and Jake Stein— produced a documentary entitled "Scholarslip". The 26-minute production examines the student debt crisis in the United States and delves into issues local to Arizona. Illustrated through the voices of student debtors as well as university and government policymakers, "Scholarslip" explores five critical issues: increasing costs of tuition; deteriorating quality of higher education; diminishing value of a college degree in the job market; student dependence on state and federal financial assistance; and the effects on ...

What Wrecked Our Economy? How To Fix It with John Perkins

We need to understand where we went wrong in order to work out how to do things better. In this course, an insider in the global financial system describes how predatory capitalism has expanded across the globe, and where the potential is to transform our destructive economic system.
John Perkins is uniquely well placed to address this material, having worked in the 1970s as the chief economist of a major consulting firm – he describes his role at that time as an “economic hit man for the American corporatocracy”. Drawing on these experiences, he describes the post-World War Two era as one that created history’s first truly global empire, mostly through economic rather than military means. Identifying corporations as the most influential institutions on the planet, he will present pathway...

published: 03 Jan 2015

Four Horsemen - Feature Documentary - Official Version

RenegadeInc.com brings you FOUR HORSEMEN - an award winning independent feature documentary which lifts the lid on how the world really works.
As we will never return to 'business as usual' 23 international thinkers, government advisors and Wall Street money-men break their silence and explain how to establish a moral and just society.
FOUR HORSEMEN is free from mainstream media propaganda -- the film doesn't bash bankers, criticise politicians or get involved in conspiracy theories. It ignites the debate about how to usher a new economic paradigm into the world which would dramatically improve the quality of life for billions.
Subtitles available in English, French, Greek, Spanish and Portuguese.
"It'sInside Job with bells on, and a frequently compelling thesis thanks to Ashcroft...

George Schultze: The Art of Vulture Investing

Subscribe to this channel: http://www.youtube.com/OpalesqueTV
George Schultze is the founder of Schultze Asset Management and author of "The Art of Vulture Investing." George classifies himself as a "vulture investor," investing in distressed securities and companies that are troubled. His particular strategy revolves around 3 areas of investment: shorting companies on their way into distress, focusing on loans or bonds at a discount when they are in trouble, and after they have reorganized, investing in their post-reorganization equities.
George gives insights from his career in vulture investing, such as sitting on the creditors' committee of Tropicana Entertainment (Tropicana Casino) and helping to bring that company out of bankruptcy. He is known publicly as one of the "Chrysler Holdo...

published: 28 Feb 2013

Century of Enslavement: The History of The Federal Reserve

TRANSCRIPT AND RESOURCES: http://www.corbettreport.com/federalreserve
What is the Federal Reserve system? How did it come into existence? Is it part of the federal government? How does it create money? Why is the public kept in the dark about these important matters? In this feature-length documentary film, The Corbett Report explores these important question and pulls back the curtain on America's central bank.

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever p...

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are caus...

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

Determined to speak up about America's crumbling higher education system, three students at Arizona State University's Walter Cronkite School of Journalism rallied the voices of an indebted generation. The trio of aspiring journalists—Alex Lancial, TaraMolina and Jake Stein— produced a documentary entitled "Scholarslip". The 26-minute production examines the student debt crisis in the United States and delves into issues local to Arizona. Illustrated through the voices of student debtors as well as university and government policymakers, "Scholarslip" explores five critical issues: increasing costs of tuition; deteriorating quality of higher education; diminishing value of a college degree in the job market; student dependence on state and federal financial assistance; and the effects on personal lives and aspirations. Lancial, Molina and Stein entered and documented the lives of three university students, each experiencing different personal and financial struggles yet sharing a common desire to pursue a college degree. Also featured are testimonies from John Kavanaugh, a representative in the Arizona legislature; KentHopkins, the Vice Provost of Enrollment at Arizona State University; and NataliaAbrams, a co-founder of StudentDebtCrisis and Occupy Colleges. "Scholarslip" presents a generation under siege, challenging a seemingly out-of-control system that is sending millions into interminable debt.
Alex Lancial: Director of Photography, Graphics Editor, Assistant Editor, Videographer, Assistant Producer
Tara Molina: Producer, Assistant Director, Assistant Editor, Videographer
Jake Stein: Director, Editor, Videographer, Assistant Producer
Contact: jat3productions@gmail.com

Determined to speak up about America's crumbling higher education system, three students at Arizona State University's Walter Cronkite School of Journalism rallied the voices of an indebted generation. The trio of aspiring journalists—Alex Lancial, TaraMolina and Jake Stein— produced a documentary entitled "Scholarslip". The 26-minute production examines the student debt crisis in the United States and delves into issues local to Arizona. Illustrated through the voices of student debtors as well as university and government policymakers, "Scholarslip" explores five critical issues: increasing costs of tuition; deteriorating quality of higher education; diminishing value of a college degree in the job market; student dependence on state and federal financial assistance; and the effects on personal lives and aspirations. Lancial, Molina and Stein entered and documented the lives of three university students, each experiencing different personal and financial struggles yet sharing a common desire to pursue a college degree. Also featured are testimonies from John Kavanaugh, a representative in the Arizona legislature; KentHopkins, the Vice Provost of Enrollment at Arizona State University; and NataliaAbrams, a co-founder of StudentDebtCrisis and Occupy Colleges. "Scholarslip" presents a generation under siege, challenging a seemingly out-of-control system that is sending millions into interminable debt.
Alex Lancial: Director of Photography, Graphics Editor, Assistant Editor, Videographer, Assistant Producer
Tara Molina: Producer, Assistant Director, Assistant Editor, Videographer
Jake Stein: Director, Editor, Videographer, Assistant Producer
Contact: jat3productions@gmail.com

Subscribe to Hidden Forces Here: http://www.hiddenforcespod.com/
In Episode 16 of Hidden Forces, host Demetri Kofinas speaks with Anne Stevenson-Yang. Anne is the co-founder of J CapitalResearch, which conducts ground-up, primary research for institutional money managers on stocks, the Chinese economy, and the Chinese financial system. Over 25 years in China, Mrs. Stevenson-Yang has also worked as an industry analyst and trade advocate, heading the US Information TechnologyOffice and the China operations of the US-ChinaBusiness Council. Anne Stevenson-Yang is the author of the recent book China Alone: China’sEmergence and Potential Return to Isolation, in which she sets out her views on the Chinese economy and political system, arguing that China historically repeats a cycle of expansion and retreat.
In this episode, we take a trip to the other side of the world. We travel to the land of China. Our conversation concerns itself with the contemporary changes in Chinese society that came after the death of Chairman Mao. What was life like in China before Nixon and Kissinger made their famous visit in 1971? Why did modernization and reform in China begin after 1978? Who was responsible for the opening in China? What was the role of Deng Xiaoping, and why is he remembered as “the architect” of a new brand of thinking that combined socialist ideology with pragmatic aspects of market economics – a system the Chinese call “Socialism with Chinese Characteristics.”
What changes did the Chinese experience between 1979 and 1989, during the implementation of the economic reforms of Deng Xiaoping? How did these reforms culminate into the protests in Tiananmen Square in 1989? What was the Chinese government’s reaction to the uprisings? The Chinese response differed significantly from the Soviet reaction to the fall of the Berlin Wall in the same year. The Chinese government decided to follow a different path after the massacres in Tiananmen Square, by turbocharging economic development. Explicit targets were set for GDP growth. There was selective liberalization of the Chinese economy, particularly in Chinese real estate. China placed a huge emphasis on building its manufacturing industries and on acquiring hard currency through exports. The Chinese financial system remained highly centralized and China’s currency, the renminbi, carefully controlled. All this was used towards re-investment with an almost single-minded commitment to hitting the government’s GDP targets.
Some have called the rise of China in the late 20th century a miracle. It is more appropriate to call it “the Chinese miracle.” The size of the Chinese economy has increased more than 25-fold in the last 25 years. Thirty years ago, the Chinese economy measured in at less than 5% of US GDP in exchange terms (perhaps as low as 2%). By 1992, the Chinese economy was only 6% of US GDP. By 2000 China weighed in at roughly 12-15% of US GDP. Today, China boasts a Gross Domestic Product that is roughly 60% that of United States. Loan Growth in the Chinese financial system has averaged 16% in the last 20 years. Loan growth in China reached an all-time high of 35% of GDP in June of 2009, amidst the greatest economic contraction since the Great Depression. Total debt in China recently surpassed 300% of GDP. This makes the finances of Western nations like the United States, France, and the United Kingdom seem frugal by comparison. In the first 7 years since the financial crisis, bank liabilities in the Chinese financial system grew by nearly $15 trillion dollars. This is the near equivalent of the consolidated size of all US commercial banks. China has used more cement in 3 years of massive overbuilding than the U.S. employed in all of the 20th Century. Hundreds of thousands of meters of unsold residential real estate sit empty around the country. There is a massive amount of industrial overcapacity in China. Chinese ghost cities have become almost as cliche as the fake Paris’, Venice, and Dubai’s created within mainland China. The Chinese economy is in terrible need of a recession. But the Chinese government cannot afford the recession that it desperately needs. Nevertheless, it cannot avoid the crisis that has been building in the Chinese financial system. How will the citizens of China, its trading partners, emerging markets and developed economies react when the reckoning finally arrives. How much longer can the Chinese government continue to postpone the inevitable?
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Subscribe to Hidden Forces Here: http://www.hiddenforcespod.com/
In Episode 16 of Hidden Forces, host Demetri Kofinas speaks with Anne Stevenson-Yang. Anne is the co-founder of J CapitalResearch, which conducts ground-up, primary research for institutional money managers on stocks, the Chinese economy, and the Chinese financial system. Over 25 years in China, Mrs. Stevenson-Yang has also worked as an industry analyst and trade advocate, heading the US Information TechnologyOffice and the China operations of the US-ChinaBusiness Council. Anne Stevenson-Yang is the author of the recent book China Alone: China’sEmergence and Potential Return to Isolation, in which she sets out her views on the Chinese economy and political system, arguing that China historically repeats a cycle of expansion and retreat.
In this episode, we take a trip to the other side of the world. We travel to the land of China. Our conversation concerns itself with the contemporary changes in Chinese society that came after the death of Chairman Mao. What was life like in China before Nixon and Kissinger made their famous visit in 1971? Why did modernization and reform in China begin after 1978? Who was responsible for the opening in China? What was the role of Deng Xiaoping, and why is he remembered as “the architect” of a new brand of thinking that combined socialist ideology with pragmatic aspects of market economics – a system the Chinese call “Socialism with Chinese Characteristics.”
What changes did the Chinese experience between 1979 and 1989, during the implementation of the economic reforms of Deng Xiaoping? How did these reforms culminate into the protests in Tiananmen Square in 1989? What was the Chinese government’s reaction to the uprisings? The Chinese response differed significantly from the Soviet reaction to the fall of the Berlin Wall in the same year. The Chinese government decided to follow a different path after the massacres in Tiananmen Square, by turbocharging economic development. Explicit targets were set for GDP growth. There was selective liberalization of the Chinese economy, particularly in Chinese real estate. China placed a huge emphasis on building its manufacturing industries and on acquiring hard currency through exports. The Chinese financial system remained highly centralized and China’s currency, the renminbi, carefully controlled. All this was used towards re-investment with an almost single-minded commitment to hitting the government’s GDP targets.
Some have called the rise of China in the late 20th century a miracle. It is more appropriate to call it “the Chinese miracle.” The size of the Chinese economy has increased more than 25-fold in the last 25 years. Thirty years ago, the Chinese economy measured in at less than 5% of US GDP in exchange terms (perhaps as low as 2%). By 1992, the Chinese economy was only 6% of US GDP. By 2000 China weighed in at roughly 12-15% of US GDP. Today, China boasts a Gross Domestic Product that is roughly 60% that of United States. Loan Growth in the Chinese financial system has averaged 16% in the last 20 years. Loan growth in China reached an all-time high of 35% of GDP in June of 2009, amidst the greatest economic contraction since the Great Depression. Total debt in China recently surpassed 300% of GDP. This makes the finances of Western nations like the United States, France, and the United Kingdom seem frugal by comparison. In the first 7 years since the financial crisis, bank liabilities in the Chinese financial system grew by nearly $15 trillion dollars. This is the near equivalent of the consolidated size of all US commercial banks. China has used more cement in 3 years of massive overbuilding than the U.S. employed in all of the 20th Century. Hundreds of thousands of meters of unsold residential real estate sit empty around the country. There is a massive amount of industrial overcapacity in China. Chinese ghost cities have become almost as cliche as the fake Paris’, Venice, and Dubai’s created within mainland China. The Chinese economy is in terrible need of a recession. But the Chinese government cannot afford the recession that it desperately needs. Nevertheless, it cannot avoid the crisis that has been building in the Chinese financial system. How will the citizens of China, its trading partners, emerging markets and developed economies react when the reckoning finally arrives. How much longer can the Chinese government continue to postpone the inevitable?
Follow us on Facebook: https://www.facebook.com/hiddenforcespod/
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* (SHARE | DOUBLEPLAYVIDEO COMPILATION) In this double featured presentation the Hon.Minister Louis Farrakhan exposes the world of Satan's and its helpers (Rothschild, Shriner's, Illuminati, and then some. It also includes a lesson on banking that you will never forget! Discover who funded Hitler, to the hands behind the monetary funds of America. We recommend all Saviours' DayDVD's which are available as well as more inspiring DVD's and Books by the Honorable Minister Louis Farrakhan and the Most Honorable Elijah Muhammad today by calling toll free 866-602-1230. IntroMusic: "Untitled" by Fard Muhammad produced by Superstar0
Please help the Nation of Islam to sphere-head the liberation of the oppressed. Visit our websites for to make a donation as we intend to do more for our communities and for the poor and disenfranchised who suffer abroad. Please make a tax-deductible donation. Visit our National Website for more information: www.noi.org/donate
The Final Call Newspaper makes a terrific gift of knowledge, wisdom and understanding. Order a subscription by calling our toll free order number 866-602-1230 or online at www.finalcall.com/subscribe For the digital subscriber option please visit www.digital.finalcall.com
Watch "LIVE" broadcast every Sunday (Time: 11 am EST) from our National Headquarters in Chicago Illinois at www.noi.org/webcast
Thank you for your support of the Nation of Islam and the Honorable Minister Louis Farrakhan.
#louisfarrakhan #blacklivesmatter #nationofislam #biblegateway #biblequotes #elijahmuhammad #Islam #Jesus #Church #FarrakhanSpeaks #friendsoffarrakhan #JusticeOrElse #Farrakhan2017 #LouisFarrakhan2016 #YouTube #TopTen #federalreserve #Shakespeare #exposed #Truth #Debunked #PresidentDonaldTrump #NationalDebt #NewVideo #donaldtrump #debate2016 #Rothschild #Farrakhan #saviourshelper #NationofIslam

* (SHARE | DOUBLEPLAYVIDEO COMPILATION) In this double featured presentation the Hon.Minister Louis Farrakhan exposes the world of Satan's and its helpers (Rothschild, Shriner's, Illuminati, and then some. It also includes a lesson on banking that you will never forget! Discover who funded Hitler, to the hands behind the monetary funds of America. We recommend all Saviours' DayDVD's which are available as well as more inspiring DVD's and Books by the Honorable Minister Louis Farrakhan and the Most Honorable Elijah Muhammad today by calling toll free 866-602-1230. IntroMusic: "Untitled" by Fard Muhammad produced by Superstar0
Please help the Nation of Islam to sphere-head the liberation of the oppressed. Visit our websites for to make a donation as we intend to do more for our communities and for the poor and disenfranchised who suffer abroad. Please make a tax-deductible donation. Visit our National Website for more information: www.noi.org/donate
The Final Call Newspaper makes a terrific gift of knowledge, wisdom and understanding. Order a subscription by calling our toll free order number 866-602-1230 or online at www.finalcall.com/subscribe For the digital subscriber option please visit www.digital.finalcall.com
Watch "LIVE" broadcast every Sunday (Time: 11 am EST) from our National Headquarters in Chicago Illinois at www.noi.org/webcast
Thank you for your support of the Nation of Islam and the Honorable Minister Louis Farrakhan.
#louisfarrakhan #blacklivesmatter #nationofislam #biblegateway #biblequotes #elijahmuhammad #Islam #Jesus #Church #FarrakhanSpeaks #friendsoffarrakhan #JusticeOrElse #Farrakhan2017 #LouisFarrakhan2016 #YouTube #TopTen #federalreserve #Shakespeare #exposed #Truth #Debunked #PresidentDonaldTrump #NationalDebt #NewVideo #donaldtrump #debate2016 #Rothschild #Farrakhan #saviourshelper #NationofIslam

What Wrecked Our Economy? How To Fix It with John Perkins

We need to understand where we went wrong in order to work out how to do things better. In this course, an insider in the global financial system describes how ...

We need to understand where we went wrong in order to work out how to do things better. In this course, an insider in the global financial system describes how predatory capitalism has expanded across the globe, and where the potential is to transform our destructive economic system.
John Perkins is uniquely well placed to address this material, having worked in the 1970s as the chief economist of a major consulting firm – he describes his role at that time as an “economic hit man for the American corporatocracy”. Drawing on these experiences, he describes the post-World War Two era as one that created history’s first truly global empire, mostly through economic rather than military means. Identifying corporations as the most influential institutions on the planet, he will present pathways to transform both ourselves and the companies that so deeply impact our lives.
He will also discuss the epiphany he experienced that initiated his own personal change, and the reasons he believes that great opportunities lie within our current times of crisis. Insights from indigenous prophecies shed light on how we can shift our society towards a sustainable, just and peaceful future. John suggests ways to follow our passions and use our talents to alter energy patterns on individual and global levels, thus creating a world that will “make our children proud of us”.

We need to understand where we went wrong in order to work out how to do things better. In this course, an insider in the global financial system describes how predatory capitalism has expanded across the globe, and where the potential is to transform our destructive economic system.
John Perkins is uniquely well placed to address this material, having worked in the 1970s as the chief economist of a major consulting firm – he describes his role at that time as an “economic hit man for the American corporatocracy”. Drawing on these experiences, he describes the post-World War Two era as one that created history’s first truly global empire, mostly through economic rather than military means. Identifying corporations as the most influential institutions on the planet, he will present pathways to transform both ourselves and the companies that so deeply impact our lives.
He will also discuss the epiphany he experienced that initiated his own personal change, and the reasons he believes that great opportunities lie within our current times of crisis. Insights from indigenous prophecies shed light on how we can shift our society towards a sustainable, just and peaceful future. John suggests ways to follow our passions and use our talents to alter energy patterns on individual and global levels, thus creating a world that will “make our children proud of us”.

Four Horsemen - Feature Documentary - Official Version

RenegadeInc.com brings you FOUR HORSEMEN - an award winning independent feature documentary which lifts the lid on how the world really works.
As we will nev...

RenegadeInc.com brings you FOUR HORSEMEN - an award winning independent feature documentary which lifts the lid on how the world really works.
As we will never return to 'business as usual' 23 international thinkers, government advisors and Wall Street money-men break their silence and explain how to establish a moral and just society.
FOUR HORSEMEN is free from mainstream media propaganda -- the film doesn't bash bankers, criticise politicians or get involved in conspiracy theories. It ignites the debate about how to usher a new economic paradigm into the world which would dramatically improve the quality of life for billions.
Subtitles available in English, French, Greek, Spanish and Portuguese.
"It'sInside Job with bells on, and a frequently compelling thesis thanks to Ashcroft's crack team of talking heads -- economists, whistleblowers and Noam Chomsky, all talking with candour and clarity." - Total Film
"Four Horsemen is a breathtakingly composed jeremiad against the folly of Neo-classical economics and the threats it represents to all we should hold dear."
- Harold Crooks, The Corporation (Co-Director) Surviving Progress (Co-Director/Co-Writer)
Follow us on https://www.twitter.com/Renegade_Inc
on https://www.facebook.com/RenEconomist
or visit our website http://www.renegadeinc.com
Support us by subscribing here http://bit.ly/1db4xVQ

RenegadeInc.com brings you FOUR HORSEMEN - an award winning independent feature documentary which lifts the lid on how the world really works.
As we will never return to 'business as usual' 23 international thinkers, government advisors and Wall Street money-men break their silence and explain how to establish a moral and just society.
FOUR HORSEMEN is free from mainstream media propaganda -- the film doesn't bash bankers, criticise politicians or get involved in conspiracy theories. It ignites the debate about how to usher a new economic paradigm into the world which would dramatically improve the quality of life for billions.
Subtitles available in English, French, Greek, Spanish and Portuguese.
"It'sInside Job with bells on, and a frequently compelling thesis thanks to Ashcroft's crack team of talking heads -- economists, whistleblowers and Noam Chomsky, all talking with candour and clarity." - Total Film
"Four Horsemen is a breathtakingly composed jeremiad against the folly of Neo-classical economics and the threats it represents to all we should hold dear."
- Harold Crooks, The Corporation (Co-Director) Surviving Progress (Co-Director/Co-Writer)
Follow us on https://www.twitter.com/Renegade_Inc
on https://www.facebook.com/RenEconomist
or visit our website http://www.renegadeinc.com
Support us by subscribing here http://bit.ly/1db4xVQ

Subscribe to this channel: http://www.youtube.com/OpalesqueTV
George Schultze is the founder of Schultze Asset Management and author of "The Art of Vulture Investing." George classifies himself as a "vulture investor," investing in distressed securities and companies that are troubled. His particular strategy revolves around 3 areas of investment: shorting companies on their way into distress, focusing on loans or bonds at a discount when they are in trouble, and after they have reorganized, investing in their post-reorganization equities.
George gives insights from his career in vulture investing, such as sitting on the creditors' committee of Tropicana Entertainment (Tropicana Casino) and helping to bring that company out of bankruptcy. He is known publicly as one of the "Chrysler Holdouts" for owning Chrysler's senior secured debt before the Obama administration's out-of-court debt restructuring plan, and for fighting that restructuring. George talks about avoiding the dangers of government intervention in bankruptcy investing, and describes his process of identifying distressed industries and companies, citing leverage as the most critical indicator in pushing them toward bankruptcy.
Despite the popular connotations associated with vulture investing, George says the process is healthy because distressed securities investors push capital from dying to healthy businesses, preventing "zombie" companies from lingering in the system.
Learn about the following:
What is "Vulture Investing"?
Waiting for the opportunity to develop
An arbitrage between forced sellers and normal long-term buyers
Structural limitations on what banks can own can leave attractive assets
Beware political environment and government intervention in bankruptcy investing
Leverage is the key in identifying troubled industries and companies
Factors when evaluating industry bankruptcy trends
How to classify a vulture strategy for investors
Why vulture investing is healthy and allows capital to be redeployed from dying to healthy businesses
Examples and explanations of successful vulture investments
George J. Schultze is Managing Member and Founder of Schultze Asset Management, LLC (SAM). He chairs the firm's Investment and Strategy Committees and, together with his team, makes the final decision on all investments for the portfolio. Mr. Schultze is widely recognized as an expert on distressed and special situations investing and is often quoted in the media regarding high profile reorganization cases such as the Chrysler Automotive bankruptcy. He is also a frequent speaker at industry conferences and graduate schools such as Harvard Business School. Prior to founding SAM, he honed his activist distressed investing approach with MD Sass. Before that, he was employed with Fiduciary Partners fund of funds, the Mayer Brown & Platt law firm, and Merrill Lynch.
Mr. Schultze is a joint graduate of Columbia Business School and Columbia Law School, JD/MBA. He founded the Columbia Law School Investment Club and served as editor for the Columbia Business Law Review. He also authored several papers including: Negotiating the TWA Bankruptcy Restructuring, Tax Factors and ERISA Implications of Corporate Restructurings, and International Banking Law. While at Columbia, he placed 2nd in the 1995 business school annual stock-picking contest.
Mr. Schultze earned a BA from Rutgers College where he graduated with a joint major in Economics/Political Science and the Henry RutgersScholar distinction. While at Rutgers, he won The Wall Street JournalAward for Excellence in Economics and placed 23rd nationwide (from over 14,000 participants) and first place at Rutgers in the 1991AT&TAnnualStock Picking Contest. Although born and raised in the U.S.A., Mr. Schultze is fluent in German and Spanish.

Subscribe to this channel: http://www.youtube.com/OpalesqueTV
George Schultze is the founder of Schultze Asset Management and author of "The Art of Vulture Investing." George classifies himself as a "vulture investor," investing in distressed securities and companies that are troubled. His particular strategy revolves around 3 areas of investment: shorting companies on their way into distress, focusing on loans or bonds at a discount when they are in trouble, and after they have reorganized, investing in their post-reorganization equities.
George gives insights from his career in vulture investing, such as sitting on the creditors' committee of Tropicana Entertainment (Tropicana Casino) and helping to bring that company out of bankruptcy. He is known publicly as one of the "Chrysler Holdouts" for owning Chrysler's senior secured debt before the Obama administration's out-of-court debt restructuring plan, and for fighting that restructuring. George talks about avoiding the dangers of government intervention in bankruptcy investing, and describes his process of identifying distressed industries and companies, citing leverage as the most critical indicator in pushing them toward bankruptcy.
Despite the popular connotations associated with vulture investing, George says the process is healthy because distressed securities investors push capital from dying to healthy businesses, preventing "zombie" companies from lingering in the system.
Learn about the following:
What is "Vulture Investing"?
Waiting for the opportunity to develop
An arbitrage between forced sellers and normal long-term buyers
Structural limitations on what banks can own can leave attractive assets
Beware political environment and government intervention in bankruptcy investing
Leverage is the key in identifying troubled industries and companies
Factors when evaluating industry bankruptcy trends
How to classify a vulture strategy for investors
Why vulture investing is healthy and allows capital to be redeployed from dying to healthy businesses
Examples and explanations of successful vulture investments
George J. Schultze is Managing Member and Founder of Schultze Asset Management, LLC (SAM). He chairs the firm's Investment and Strategy Committees and, together with his team, makes the final decision on all investments for the portfolio. Mr. Schultze is widely recognized as an expert on distressed and special situations investing and is often quoted in the media regarding high profile reorganization cases such as the Chrysler Automotive bankruptcy. He is also a frequent speaker at industry conferences and graduate schools such as Harvard Business School. Prior to founding SAM, he honed his activist distressed investing approach with MD Sass. Before that, he was employed with Fiduciary Partners fund of funds, the Mayer Brown & Platt law firm, and Merrill Lynch.
Mr. Schultze is a joint graduate of Columbia Business School and Columbia Law School, JD/MBA. He founded the Columbia Law School Investment Club and served as editor for the Columbia Business Law Review. He also authored several papers including: Negotiating the TWA Bankruptcy Restructuring, Tax Factors and ERISA Implications of Corporate Restructurings, and International Banking Law. While at Columbia, he placed 2nd in the 1995 business school annual stock-picking contest.
Mr. Schultze earned a BA from Rutgers College where he graduated with a joint major in Economics/Political Science and the Henry RutgersScholar distinction. While at Rutgers, he won The Wall Street JournalAward for Excellence in Economics and placed 23rd nationwide (from over 14,000 participants) and first place at Rutgers in the 1991AT&TAnnualStock Picking Contest. Although born and raised in the U.S.A., Mr. Schultze is fluent in German and Spanish.

TRANSCRIPT AND RESOURCES: http://www.corbettreport.com/federalreserve
What is the Federal Reserve system? How did it come into existence? Is it part of the federal government? How does it create money? Why is the public kept in the dark about these important matters? In this feature-length documentary film, The Corbett Report explores these important question and pulls back the curtain on America's central bank.

TRANSCRIPT AND RESOURCES: http://www.corbettreport.com/federalreserve
What is the Federal Reserve system? How did it come into existence? Is it part of the federal government? How does it create money? Why is the public kept in the dark about these important matters? In this feature-length documentary film, The Corbett Report explores these important question and pulls back the curtain on America's central bank.

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

Josh Sigurdson sits down with author and economic analyst JohnSneisen to talk about the catastrophic rise in private debt to GDP in Canada as Canada moves from 10th place to 6th place world wide in debt accumulation. Canada has also reached first place out of G20 countries.
PrivateDebt to GDP in Canada averaged 210.45 percent from 1995 until 2016, reaching an all time high of 266.89 percent in 2016 according to Trading Economics.
With alarming market manipulation, derivatives markets, fiat currency printing and government spending, there's no doubt that Canada's on a collision course. The question is, when?
Well the fact is, fundamentals are off the table so an exact date can't be placed on it. The markets and monetary system is being rigged to such an extent that the crash is constantly pushed forward into the future causing the looming crash to become more and more inflated and dangerous.
For example, the Vancouver real estate market was ready to implode and the bubble was ready to burst, however it recently did the impossible and started climbing in value even further! This means the bubble burst is going to be epic and will surely be heard around the world.
Globalist central bankers and market manipulators love the notion of pushing the populace into a bottomless pit of debt as the public then has no choice but to beg the government and banking system for a ladder up. This is servitude and it's the servitude the establishment wants for the public.
Stay tuned as we continue to break down this horrific looming crash and continue to show people how to insure their wealth with gold, silver and of course cryptocurrencies like Bitcoin, Ethereum and STEEM.
Video edited by Josh Sigurdson
Featuring:
Josh Sigurdson
John Thore Stub Sneisen
Graphics by Bryan Foerster and Josh Sigurdson
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Insolvency Code Being Used As A Debt Recovery Tool

India’s one year old insolvency regime has seen around 2,400 applications so far. Out of these, a majority have been filed by operational creditors — such as vendors, suppliers and employees — who can potentially force the company into liquidation for a default of as low as Rs 1 lakh.
Read more: https://goo.gl/nwFRw9

3:56

Debt Counselling Industry wants NCR investigated

The Debt Counselling Industry has called on government to launch a high level investigatio...

Debt Counselling Industry wants NCR investigated

The Debt Counselling Industry has called on government to launch a high level investigation into the National Credit Regulator to find out why it was not doing its job properly. DCI said the NCR should be probed for not properly investigating African Bank. Meanwhile, share trading of the troubled bank on the JSE was suspended Monday morning.
Shareholders requested the suspension after the Reserve Bank had placed the lender under curatorship over the weekend. Reserve Bank governor Gill Marcus announced that African Bank had been placed under curatorship. A consortium involving major banks had committed to underwrite a R10 billion capital raising exercise, and would engage with shareholders and
other participants.

1:38

American chicken brand placed in provisional liquidation over debt in Botswana

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding...

American chicken brand placed in provisional liquidation over debt in Botswana

American fast-food giant KFC is under provisional liquidation in Botswana over outstanding debts to commercial banks. The brand has been in Botswana for over 20 years but as Angelo Coppola reports from Gaborone, the liquidators are optimistic that the franchise has a chance of revival.

Debt is One Stress You Can Eliminate

In this episode Dr. Cory S. Fawcett discusses the added stress placed on you by carrying debt and how to eliminate it.
Dr. Cory S. Fawcett is the author of "The Doctor's Guide to" series of books and founder of Prescription for Financial Success - HelpingHealthcare ProfessionalsThrive, where he coaches doctors on a one on one basis regarding their personal finances.
His aim is to help medical professionals get their personal finances in good order, get out of debt and establish a good work/life balance. He is available as a keynote speaker.
Connect with Dr. Cory S. Fawcett on:
Website: http://drcorysfawcett.com/
Facebook: https://www.facebook.com/Dr-Cory-S-Fawcett-651607084977083
Twitter: https://twitter.com/drcorysfawcett
LinkedIn: https://www.linkedin.com/in/drcorysfawcett

26:01

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adj...

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

9:33

Debt and Deficit

Our Nation has been placed in a very precarious financial position by the actions of our e...

Debt and Deficit

Our Nation has been placed in a very precarious financial position by the actions of our elected officials in Washington. Our elected officials have always spent more than the revenue however they have taken it to a whole new level over the past decade. If some drastic changes are not made soon, we will be a bankrupt nation. Washington has shown that it operates with a certain mindset and that they are either unable or unwilling to change their ways. This is my opinion on our Federal debt and deficit.

Understanding the "Statute of Limitations on Debt Collection"

Today's lesson is on the "statute of limitation for debt collection".
This brief video will give you a good understanding on the statute of limitations and how long debts are collectable under the FDCPA (Fair Debt Collection Practices Act.)
Most people do not understand the difference between the "time clock for credit reporting" and the "statute of limitations on debt collection.
The statute of limitations has been designed to stop legal action against debts that are too old according to the US Federal Government. The statutes are different for different types of contracts and where you live. The "SOL" (statute of limitations) varies by state and type of debt and ranges typically from 3-6 years.
On the other hand, the "Credit Reporting TimeClock" is different: The Fair Credit Reporting Act describes how long items can remain in credit reports and when they must be removed. Some items have a seven year "Statute of Limitations" while other items remain for 10 years or, in the case of inquiries only 2 years and tax liens, indefinitely.
Officially called "running of reporting period", the credit reporting period is also called the statute of limitations (SOL) and is one of the most misunderstood parts of the fair credit reporting act.
The following information is taken directly from the Fair Credit Reporting Act (FCRA) and from the Federal Trade Commission's official interpretation of the "running of reporting period!"
Length of Time Items Can Stay on Credit
Derogatory Accounts -- Stay for 7 years from the date of original delinquency.
• Late Payments
• Charge-Offs
• Collections
• Repossessions
• Items included in a bankruptcy
Inquiries -- Stay for 2 years from the date placed
• There are two types of inquiries: "HARD" and "SOFT"
• Hard inquiries are when a consumer applies for credit.
• Only "Hard Inquiries" impact credit scores and depending on various factors each inquiry can impact a score anywhere from 2-6 points.
• "Soft Inquiries" are when a creditor or other entity takes a peek at a credit report without the consumer applying for credit and do NOT impact credit scores.
Unpaid Tax Lien - Stay Indefinitely
• State or Federal Tax Liens
Chapter 7 Bankruptcies - Stay for 10 years from date filed.
• Discharging of debt.
Chapter 13 Bankruptcies - Stay for 7 years from date completed
• Typical repayment plans take 3-5 years, so the Bankruptcy can stay for up to 12 years.
PublicRecords - Stay for 7 years from the date of payment
• Foreclosures
• Various liens
• Various judgments
For a complete chart of the statute of limitation listed by state and type of debt, please visit our resources page:
http://www.creditagenda.com/resources/statute-of-limitations.php
You can also give us a call at (800) 811-3078
Thank You,
Corey Gray, CEO
Credit Assistance NetworkInc.
www.CreditAgenda.com
7300 N. Federal Highway, Suites 202, 204 & 206
Boca Raton, FL 33487
Credit Assistance Network offers consumer education and credit improvement services. We are one of the only CROA compliant credit repair companies which boasts an A+ rating with the Better Business Bureau.
Tags: Late Payments, Charge-Offs, Collections, Repossessions, Items included in a bankruptcy, Credit Reporting Time Clock, Statute of Limitations on DebtCollection, Fair Debt Collection

1:11

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt...

What Kind of Debt can be Put on a Debt Management Program? DebtHelper.com Unsecured Debt Reduction

http://www.DebtHelper.com 1-800-920-2262
In this video DebtHelper.com explains what debt can be placed on a DebtManagementProgram.
Debthelper's debt management program can help you with unsecured debt such as credit cards, gas credit cards and department store credit cards.
Secured debts are debts that are tied to collateral that can be repossessed if you fail to pay the debt such as a car or a home. Secured debts can not be placed on the program.
If you are not sure whether a debt is secured or an unsecured debt, Ask your counselor . He or she will be able to help you with this.
CONTACT US
www.DebtHelper.com
1-800-920-2262
YOUTUBE:
TWITTER: http://twitter.com/debthelpercom
FACEBOOK: http://www.facebook.com/pages/Debthelpercom/161268256670
Credit Card Management Services, Inc. d.b.a. Debthelper.com is an IRSApproved 501c3 Non-Profit FloridaCorporation dedicated to our mission of providing compassionate and professional, financial counseling and education in an ethical manner with efficient, timely and problem-solving client support.
Debthelper.com partners with those who create opportunities for people to live in affordable homes, improve their lives and strengthen their communities. Debthelper.com is ISO: 9001Certified as audited by BVI, is licensed, bonded and insured to provide quality debt management services as governed by its Code of Practice and Best Practices through its membership with AICCCA, the Association of IndependentConsumer Credit Counseling Agencies. Debthelper.com is a member of ACCPros, the Association of Credit Counseling Professionals, a member of the Florida Housing Coalition, a member of the NCHANational Housing Counseling Association. Debthelper.com adheres to the NISHEC National IndustryStandards for Homeownership Education and Counseling and is a partner with the FHF Florida Housing Finance Corporation. Debthelper.com is a proud member of the Southeast FloridaBetter Business Bureau, to view our BBBReport.
We offer education and counseling on:
* Pre-Filing Credit Counseling for Bankruptcy*
* Pre-Discharge Education Courses, also known as a Personal Financial Management * * * Instructional Courses, for Bankruptcy*
* Credit Report Education (offering a broad view of what you should look out for on your credit report)
* Budgeting and Spending Plans
* Debt Management Programs
* Consolidation Programs
* HUD Approved Comprehensive Housing Counseling
* And More Financial RescueOptions
Since being formed in 1996, we have helped guide tens of thousands of people out of financial difficulty. With offices in Florida, Massachusetts and Nevada, we serve clients in almost every state in the union. Our multilingual, multinational team is different from many other agencies as we put the client first whether or not they join one of our programs. Debthelper.com Certified Personal Finance Counselors CPFC counselors strive to get to the root of the counseling issues and once and for all, help to seek their resolution.

1:13

3 Reasons Why You Should Not Pay Your Debt

Paying off an old collection or charge off will increase your credit score.
This is a hu...

3 Reasons Why You Should Not Pay Your Debt

Paying off an old collection or charge off will increase your credit score.
This is a huge MYTH!
Effects of Paying
When you pay an older collection account or charge-off account, your credit score most likely will suffer.
Think twice before paying off an old collection or charge off. By paying your debt, it renews the date of last activity. The collection company or creditors can now report the account for another 7 years.
Everyone knows debt collections are bad for your credit score. Any past due accounts including debt collections have negative effects. These accounts report on your credit report for up to7 years. As accounts age, they have less and less impact on your credit score.
Many consumers believe by paying off collections or charge-off accounts, that it will raise their credit scores. It certainly seems logical; however it is far from the truth. If you are concerned about your credit score, paying off debts prior to obtaining any other type of loan or mortgage can greatly hurt your credit score.
Ultimately, if it is an older account when paid off (or payments are made on the account), by doing so can be devastating to ones credit score. The recent activity of any derogatory item has a big impact on how it effects your overall credit score.
Is the Debt Still Valid?
After a certain period of inactivity on an account, a debt becomes time-barred and debt collectors can no longer sue you for it. This period is known as "the statute of limitations on debt" and varies by state. If the statute of limitations has passed, it is illegal for a debt collector or creditor to sue you.
You need to be careful in communicating with a debt collector because the debt statute of limitations can easily be restarted by acknowledging that you owe the debt, making a payment, entering a payment plan, making an agreement to pay or making a charge on the account.
After 7YearsCollection and charge-off accounts should only remain on your credit report for 7 years. It is important to check your credit reports as the credit bureaus often continue reporting these derogatory accounts over the 7 year limit.
If you have any questions regarding collection accounts on your credit reports, call our office today for your complimentary credit consultation. We look forward to hearing from you. 480-502-5554
LEGAL DISCLAIMER: The advice provided is for informational purposes only. It is not to be construed as Legal Counsel or Legal Advice.

David Graeber: "DEBT: The First 5,000 Years" | Talks at Google

DEBT: The First 5,000 Years
While the "national debt" has been the concern du jour of many economists, commentators and politicians, little attention is ever paid to the historical significance of debt.
For thousands of years, the struggle between rich and poor has largely taken the form of conflicts between creditors and debtors—of arguments about the rights and wrongs of interest payments, debt peonage, amnesty, repossession, restitution, the sequestering of sheep, the seizing of vineyards, and the selling of debtors' children into slavery. By the same token, for the past five thousand years, popular insurrections have begun the same way: with the ritual destruction of debt records—tablets, papyri, ledgers; whatever form they might have taken in any particular time and place.
Enter anthropologist David Graeber's Debt: The First 5,000 Years (July, ISBN 978-1-933633-86-2), which uses these struggles to show that the history of debt is also a history of morality and culture.
In the throes of the recent economic crisis, with the very defining institutions of capitalism crumbling, surveys showed that an overwhelming majority of Americans felt that the country's banks should not be rescued—whatever the economic consequences—but that ordinary citizens stuck with bad mortgages should be bailed out. The notion of morality as a matter of paying one's debts runs deeper in the United States than in almost any other country.
Beginning with a sharp critique of economics (which since Adam Smith has erroneously argued that all human economies evolved out of barter), Graeber carefully shows that everything from the ancient work of law and religion to human notions like "guilt," "sin," and "redemption," are deeply influenced by ancients debates about credit and debt.
It is no accident that debt continues to fuel political debate, from the crippling debt crises that have gripped Greece and Ireland, to our own debate over whether to raise the debt ceiling. Debt, an incredibly captivating narrative spanning 5,000 years, puts these crises into their full context and illuminates one of the thorniest subjects in all of history.
ABOUT THE AUTHOR
David Graeber teaches anthropology at Goldsmiths College, University of London. He is the author of Towards an Anthropological Theory of Value, LostPeople, and Possibilities: Essays on Hierarchy, Rebellion, and Desire.
This talk was hosted by Boris Debic on behalf of the Authors@Google program.

26:01

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adj...

China in debt - Counting the Cost

The Chinese economic slowdown comes as no surprise to global analysts. As outlooks are adjusted accordingly, it isn't the country's profit margins that are causing concern, but the decades of spending on unfinished building projects that have created a deluge of bad debt for China.
Taxpayers point the finger of blame at the government and the lack of social change and development evaluations before money is squandered on the hundreds of unfinished projects, or "rotten buildings" as they have come to be known.
According to the Chinese government, China currently has two billion square metres of empty residential space - enough to house 100 million people.
Economists echo the peoples' sentiments with the reason for a potential crash placed squarely on the government's shoulders with its insatiable desire for hyper growth. As a result, a debt crisis is a serious possibility.
But many continue to deny China's seemingly inevitable forecast, including the Chinese premier, Li Keqiang.
"We are fully confident of China's long-term economic growth. As long as we continue to reform and open up, China's economy will not suffer a hard landing," said Keqiang.
Critics, however, remain doubtful - the endless sea of deserted developments standing as evidence of their fears for the future.
"The economy is not getting better; I see that now. The factories are no longer thriving, and salaries have not gone up with our nation's development. It has all changed. How did it come to this? It's terrible," laments former factory worker MengShi Jun.
With China adamant that there are no real risks in its future, what can the global economy expect? Will there be ongoing, or even increasing, debt and banking problems?
"China is, by some measures, the biggest economy in the world, and it is very well integrated into the global supply chain - anything that happens in China will have repercussions globally," says Sebastien Marlier of the Economist Intelligence Unit.
The gender pay gap 'non-myth'
Gender equality is a UN sustainable development goal that continues to appear out of reach as the gender pay gap continues to exist in workplaces around the world.
The World Economic Forum has forecast that it will be another 118 years before pay parity is achieved.
Higher positions of management are also part of this inequality scale.
The London Stock Exchange currently only affords seven out of every 100 women a managerial position.
Also in the UK, the pay gap stands at 18 percent between men and women, deepening even further after childbirth.
We speak to RobertJoyce from the Institute for Fiscal Studies about what is causing the gap and what can be done to speed up measures of equality. We also speak with Catherine Hill, director of research at the American Association of University Women about the deniers of gender pay inequality.
More from Counting the Cost on:
YouTube - http://aje.io/countingthecostYT
Website - http://aljazeera.com/countingthecost/

50:04

Escape! From the Cult of Materialism - FULL PROGRAM

This film is a remix/mash-up of material from various sources, which are all credited at t...

Scholarslip: A documentary about the student debt crisis

Determined to speak up about America's crumbling higher education system, three students at Arizona State University's Walter Cronkite School of Journalism rallied the voices of an indebted generation. The trio of aspiring journalists—Alex Lancial, TaraMolina and Jake Stein— produced a documentary entitled "Scholarslip". The 26-minute production examines the student debt crisis in the United States and delves into issues local to Arizona. Illustrated through the voices of student debtors as well as university and government policymakers, "Scholarslip" explores five critical issues: increasing costs of tuition; deteriorating quality of higher education; diminishing value of a college degree in the job market; student dependence on state and federal financial assistance; and the effects on personal lives and aspirations. Lancial, Molina and Stein entered and documented the lives of three university students, each experiencing different personal and financial struggles yet sharing a common desire to pursue a college degree. Also featured are testimonies from John Kavanaugh, a representative in the Arizona legislature; KentHopkins, the Vice Provost of Enrollment at Arizona State University; and NataliaAbrams, a co-founder of StudentDebtCrisis and Occupy Colleges. "Scholarslip" presents a generation under siege, challenging a seemingly out-of-control system that is sending millions into interminable debt.
Alex Lancial: Director of Photography, Graphics Editor, Assistant Editor, Videographer, Assistant Producer
Tara Molina: Producer, Assistant Director, Assistant Editor, Videographer
Jake Stein: Director, Editor, Videographer, Assistant Producer
Contact: jat3productions@gmail.com

40:15

Secret Societies - Shocking Documentary || OPEN YOUR EYES

Secret Societies - Documentary of the underground secret cults that shapes the world as we...

China's Economy in Crisis | Inside the Chinese Financial System with Anne Stevenson-Yang

Subscribe to Hidden Forces Here: http://www.hiddenforcespod.com/
In Episode 16 of Hidden Forces, host Demetri Kofinas speaks with Anne Stevenson-Yang. Anne is the co-founder of J CapitalResearch, which conducts ground-up, primary research for institutional money managers on stocks, the Chinese economy, and the Chinese financial system. Over 25 years in China, Mrs. Stevenson-Yang has also worked as an industry analyst and trade advocate, heading the US Information TechnologyOffice and the China operations of the US-ChinaBusiness Council. Anne Stevenson-Yang is the author of the recent book China Alone: China’sEmergence and Potential Return to Isolation, in which she sets out her views on the Chinese economy and political system, arguing that China historically repeats a cycle of expansion and retreat.
In this episode, we take a trip to the other side of the world. We travel to the land of China. Our conversation concerns itself with the contemporary changes in Chinese society that came after the death of Chairman Mao. What was life like in China before Nixon and Kissinger made their famous visit in 1971? Why did modernization and reform in China begin after 1978? Who was responsible for the opening in China? What was the role of Deng Xiaoping, and why is he remembered as “the architect” of a new brand of thinking that combined socialist ideology with pragmatic aspects of market economics – a system the Chinese call “Socialism with Chinese Characteristics.”
What changes did the Chinese experience between 1979 and 1989, during the implementation of the economic reforms of Deng Xiaoping? How did these reforms culminate into the protests in Tiananmen Square in 1989? What was the Chinese government’s reaction to the uprisings? The Chinese response differed significantly from the Soviet reaction to the fall of the Berlin Wall in the same year. The Chinese government decided to follow a different path after the massacres in Tiananmen Square, by turbocharging economic development. Explicit targets were set for GDP growth. There was selective liberalization of the Chinese economy, particularly in Chinese real estate. China placed a huge emphasis on building its manufacturing industries and on acquiring hard currency through exports. The Chinese financial system remained highly centralized and China’s currency, the renminbi, carefully controlled. All this was used towards re-investment with an almost single-minded commitment to hitting the government’s GDP targets.
Some have called the rise of China in the late 20th century a miracle. It is more appropriate to call it “the Chinese miracle.” The size of the Chinese economy has increased more than 25-fold in the last 25 years. Thirty years ago, the Chinese economy measured in at less than 5% of US GDP in exchange terms (perhaps as low as 2%). By 1992, the Chinese economy was only 6% of US GDP. By 2000 China weighed in at roughly 12-15% of US GDP. Today, China boasts a Gross Domestic Product that is roughly 60% that of United States. Loan Growth in the Chinese financial system has averaged 16% in the last 20 years. Loan growth in China reached an all-time high of 35% of GDP in June of 2009, amidst the greatest economic contraction since the Great Depression. Total debt in China recently surpassed 300% of GDP. This makes the finances of Western nations like the United States, France, and the United Kingdom seem frugal by comparison. In the first 7 years since the financial crisis, bank liabilities in the Chinese financial system grew by nearly $15 trillion dollars. This is the near equivalent of the consolidated size of all US commercial banks. China has used more cement in 3 years of massive overbuilding than the U.S. employed in all of the 20th Century. Hundreds of thousands of meters of unsold residential real estate sit empty around the country. There is a massive amount of industrial overcapacity in China. Chinese ghost cities have become almost as cliche as the fake Paris’, Venice, and Dubai’s created within mainland China. The Chinese economy is in terrible need of a recession. But the Chinese government cannot afford the recession that it desperately needs. Nevertheless, it cannot avoid the crisis that has been building in the Chinese financial system. How will the citizens of China, its trading partners, emerging markets and developed economies react when the reckoning finally arrives. How much longer can the Chinese government continue to postpone the inevitable?
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* (SHARE | DOUBLEPLAYVIDEO COMPILATION) In this double featured presentation the Hon.Minister Louis Farrakhan exposes the world of Satan's and its helpers (Rothschild, Shriner's, Illuminati, and then some. It also includes a lesson on banking that you will never forget! Discover who funded Hitler, to the hands behind the monetary funds of America. We recommend all Saviours' DayDVD's which are available as well as more inspiring DVD's and Books by the Honorable Minister Louis Farrakhan and the Most Honorable Elijah Muhammad today by calling toll free 866-602-1230. IntroMusic: "Untitled" by Fard Muhammad produced by Superstar0
Please help the Nation of Islam to sphere-head the liberation of the oppressed. Visit our websites for to make a donation as we intend to do more for our communities and for the poor and disenfranchised who suffer abroad. Please make a tax-deductible donation. Visit our National Website for more information: www.noi.org/donate
The Final Call Newspaper makes a terrific gift of knowledge, wisdom and understanding. Order a subscription by calling our toll free order number 866-602-1230 or online at www.finalcall.com/subscribe For the digital subscriber option please visit www.digital.finalcall.com
Watch "LIVE" broadcast every Sunday (Time: 11 am EST) from our National Headquarters in Chicago Illinois at www.noi.org/webcast
Thank you for your support of the Nation of Islam and the Honorable Minister Louis Farrakhan.
#louisfarrakhan #blacklivesmatter #nationofislam #biblegateway #biblequotes #elijahmuhammad #Islam #Jesus #Church #FarrakhanSpeaks #friendsoffarrakhan #JusticeOrElse #Farrakhan2017 #LouisFarrakhan2016 #YouTube #TopTen #federalreserve #Shakespeare #exposed #Truth #Debunked #PresidentDonaldTrump #NationalDebt #NewVideo #donaldtrump #debate2016 #Rothschild #Farrakhan #saviourshelper #NationofIslam

1:01:59

What Wrecked Our Economy? How To Fix It with John Perkins

We need to understand where we went wrong in order to work out how to do things better. In...

What Wrecked Our Economy? How To Fix It with John Perkins

We need to understand where we went wrong in order to work out how to do things better. In this course, an insider in the global financial system describes how predatory capitalism has expanded across the globe, and where the potential is to transform our destructive economic system.
John Perkins is uniquely well placed to address this material, having worked in the 1970s as the chief economist of a major consulting firm – he describes his role at that time as an “economic hit man for the American corporatocracy”. Drawing on these experiences, he describes the post-World War Two era as one that created history’s first truly global empire, mostly through economic rather than military means. Identifying corporations as the most influential institutions on the planet, he will present pathways to transform both ourselves and the companies that so deeply impact our lives.
He will also discuss the epiphany he experienced that initiated his own personal change, and the reasons he believes that great opportunities lie within our current times of crisis. Insights from indigenous prophecies shed light on how we can shift our society towards a sustainable, just and peaceful future. John suggests ways to follow our passions and use our talents to alter energy patterns on individual and global levels, thus creating a world that will “make our children proud of us”.

Four Horsemen - Feature Documentary - Official Version

RenegadeInc.com brings you FOUR HORSEMEN - an award winning independent feature documentary which lifts the lid on how the world really works.
As we will never return to 'business as usual' 23 international thinkers, government advisors and Wall Street money-men break their silence and explain how to establish a moral and just society.
FOUR HORSEMEN is free from mainstream media propaganda -- the film doesn't bash bankers, criticise politicians or get involved in conspiracy theories. It ignites the debate about how to usher a new economic paradigm into the world which would dramatically improve the quality of life for billions.
Subtitles available in English, French, Greek, Spanish and Portuguese.
"It'sInside Job with bells on, and a frequently compelling thesis thanks to Ashcroft's crack team of talking heads -- economists, whistleblowers and Noam Chomsky, all talking with candour and clarity." - Total Film
"Four Horsemen is a breathtakingly composed jeremiad against the folly of Neo-classical economics and the threats it represents to all we should hold dear."
- Harold Crooks, The Corporation (Co-Director) Surviving Progress (Co-Director/Co-Writer)
Follow us on https://www.twitter.com/Renegade_Inc
on https://www.facebook.com/RenEconomist
or visit our website http://www.renegadeinc.com
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George Schultze: The Art of Vulture Investing

Subscribe to this channel: http://www.youtube.com/OpalesqueTV
George Schultze is the founder of Schultze Asset Management and author of "The Art of Vulture Investing." George classifies himself as a "vulture investor," investing in distressed securities and companies that are troubled. His particular strategy revolves around 3 areas of investment: shorting companies on their way into distress, focusing on loans or bonds at a discount when they are in trouble, and after they have reorganized, investing in their post-reorganization equities.
George gives insights from his career in vulture investing, such as sitting on the creditors' committee of Tropicana Entertainment (Tropicana Casino) and helping to bring that company out of bankruptcy. He is known publicly as one of the "Chrysler Holdouts" for owning Chrysler's senior secured debt before the Obama administration's out-of-court debt restructuring plan, and for fighting that restructuring. George talks about avoiding the dangers of government intervention in bankruptcy investing, and describes his process of identifying distressed industries and companies, citing leverage as the most critical indicator in pushing them toward bankruptcy.
Despite the popular connotations associated with vulture investing, George says the process is healthy because distressed securities investors push capital from dying to healthy businesses, preventing "zombie" companies from lingering in the system.
Learn about the following:
What is "Vulture Investing"?
Waiting for the opportunity to develop
An arbitrage between forced sellers and normal long-term buyers
Structural limitations on what banks can own can leave attractive assets
Beware political environment and government intervention in bankruptcy investing
Leverage is the key in identifying troubled industries and companies
Factors when evaluating industry bankruptcy trends
How to classify a vulture strategy for investors
Why vulture investing is healthy and allows capital to be redeployed from dying to healthy businesses
Examples and explanations of successful vulture investments
George J. Schultze is Managing Member and Founder of Schultze Asset Management, LLC (SAM). He chairs the firm's Investment and Strategy Committees and, together with his team, makes the final decision on all investments for the portfolio. Mr. Schultze is widely recognized as an expert on distressed and special situations investing and is often quoted in the media regarding high profile reorganization cases such as the Chrysler Automotive bankruptcy. He is also a frequent speaker at industry conferences and graduate schools such as Harvard Business School. Prior to founding SAM, he honed his activist distressed investing approach with MD Sass. Before that, he was employed with Fiduciary Partners fund of funds, the Mayer Brown & Platt law firm, and Merrill Lynch.
Mr. Schultze is a joint graduate of Columbia Business School and Columbia Law School, JD/MBA. He founded the Columbia Law School Investment Club and served as editor for the Columbia Business Law Review. He also authored several papers including: Negotiating the TWA Bankruptcy Restructuring, Tax Factors and ERISA Implications of Corporate Restructurings, and International Banking Law. While at Columbia, he placed 2nd in the 1995 business school annual stock-picking contest.
Mr. Schultze earned a BA from Rutgers College where he graduated with a joint major in Economics/Political Science and the Henry RutgersScholar distinction. While at Rutgers, he won The Wall Street JournalAward for Excellence in Economics and placed 23rd nationwide (from over 14,000 participants) and first place at Rutgers in the 1991AT&TAnnualStock Picking Contest. Although born and raised in the U.S.A., Mr. Schultze is fluent in German and Spanish.

1:30:12

Century of Enslavement: The History of The Federal Reserve

TRANSCRIPT AND RESOURCES: http://www.corbettreport.com/federalreserve
What is the Federal...

Century of Enslavement: The History of The Federal Reserve

TRANSCRIPT AND RESOURCES: http://www.corbettreport.com/federalreserve
What is the Federal Reserve system? How did it come into existence? Is it part of the federal government? How does it create money? Why is the public kept in the dark about these important matters? In this feature-length documentary film, The Corbett Report explores these important question and pulls back the curtain on America's central bank.

Century of Enslavement: The History of The Federal...

The Fourth Revolution: the global race to reinvent...

It turns out that a theory explaining how we might detect parallel universes and prediction for the end of the world was proposed and completed by physicist Stephen Hawking shortly before he died ... &nbsp;. According to reports, the work predicts that the universe would eventually end when stars run out of energy ... ....

In another blow to the Trump administration Monday, the US Supreme Court decided Arizona must continue to issue state driver’s licenses to so-called Dreamer immigrants and refused to hear an effort by the state to challenge the Obama-era program that protects hundreds of thousands of young adults brought into the country illegally as children, Reuters reported ... – WN.com. Jack Durschlag....

Britain’s Royal Astronomical Society announced Monday that an object called 1I/2017 (‘Oumuamua) – the first confirmed asteroid known to have journeyed here from outside our solar system – most likely came from from a binary star system, or two stars orbiting a common center of gravity, EarthSky reported....

Uber announced on Monday that it was pulling all of its self-driving cars from public roads in Arizona and San Francisco, Toronto, and Pittsburgh after a female pedestrian was reportedly killed after being struck by an autonomous Uber vehicle in Tempe, according to The Verge.&nbsp; ... "Despite the fact that humans are also prone to error, we have as a society many decades of understanding of those errors." ... -WN.com, Maureen Foody....

However, the register will show the mortgages, loans, overdrafts and credit card debts of a normal family ... No details of official debt deals done through the Insolvency Service of Ireland (ISI), and approved by the courts, will be listed ... 4,000 being approved for debt deals....

IN his first budget speech in June 2013, then finance minister Ishaq Dar gave an assurance to the country that the circular debt of the power sector, which had just been retired in a massive exercise of almost Rs500bn, would not be allowed to return ... With its rapid pace of accumulation, it is possible for the circular debt to once again choke the power sector....

China'sBelt and RoadInitiative (BRI), which aims to invest approximately USD 8 trillion in infrastructure projects across Europe, Africa, and Asia, has raised serious concerns about sovereign debt sustainability in the eight countries that it funds, according to a recent study. The Center for Global Development research evaluated the current and future debt levels of the 68 countries hosting BRI-funded projects....

No Long Island locations are on the list of closures, according to the chain's Chapter 11 filing ... In its&nbsp;bankruptcy filing, the chain said its stores will remain open as it restructures its nearly $1.9 billion debt ... and Puerto Rico ... "We are generating strong business results but we are burdened by debt," Berry said....

The liquidator appointed to Mehajer's failed company, SM Project Developments, served a bankruptcy notice on Mehajer in September last year and kicked off bankruptcy proceedings in November over a debt of about $200,000....

Some of the poorest families in England and Wales are being denied legal aid because they cannot afford the financial contributions they are required to make, according to the Law Society...The LawSociety said the situation is getting progressively worse because means test thresholds, which govern eligibility for legal aid, have been frozen since 2010 while the cost of living has continued to rise....

Associated Press. PopeFrancis celebrates the ordination mass Monday in St. Peter's Basilica at the Vatican for newly ordained bishops WaldemarStanislaw Sommertag, Alfred Xuereb and José Avelino Bettencour. Francis is cautioning bishops to avoid politicking, business and high society. He said bishops should "abandon the temptation to become princes," and that they are tasked "more with serving than dominating." ... ....

ISLAMABAD. The Ministry of Interior has issued a notification extending the IslamabadRent Restriction Ordinance to approved housing societies and Islamabad Zone V. The 2001 ordinance, which has only been implemented in urban areas so far, regulates relations between landlords and tenants ... The summary said the notification is only in force in zones I and II, and would now be implemented in Zone V and approved housing societies as well ... ....